Can anyone recommend good pet insurance that covers pre-existing conditions and preventive care?
January 22, 2009 2:46 PM Subscribe
Is there any decent pet insurance out there? I just paid several appendages to get my cat fixed up and I'm looking to find something that will cover preventive care and not have exclusions based on pre-existing conditions.
posted by loudguitars to Pets & Animals (12 answers total) 34 users marked this as a favorite
So I just had a delightful trip through the veterinary care system - poor cat got blocked up, had a "trautmatic catheterization," and wound up needing emergency surgery and having to be in the hospital for over two weeks before finally needing p/u surgery. Needless to say, this was ridiculously expensive, but fortunately it seems to have actually worked, and he's back to being a happy, healthy cat (well, except when I have to give him pills, which he is not happy about). Frankly, I'm extremely lucky that I have a support system that was able to give me a pay-it-back-when-you-can loan to pay for this, or I would have been paying off American Express for about the next five years.
I'm looking to avoid needing to go down this road in the future. The pet insurance the vet recommended to me didn't seem like a great deal, though, since it was REALLY unclear if it would cover anything if there was a recurrence of blockage (which is unlikely after the p/u surgery, but certainly not impossible) and didn't appear to cover any preventive care. I would love to get something that covered a preventive checkup a year, and didn't have pre-existing condition exclusions.
Anyone have any pet insurance companies they'd recommend I use/stay the hell away from for this situation?